1. An Alternative Funding Source Chris Lehnes SVP, Loan
Originations 203-304-9527 [email protected]
2. Who is Gibraltar Business Capital?GBC is an extremely well
capitalized provider of capital to small businesses. We provide a
creative and flexible capital solution to non-bankable borrowers.
We work with banks who seek to reduce credit exposure to less
desirable borrowers. Very strong equity, senior and subordinated
debt capital base(s). Senior Management consists of former Wells
Fargo Foothill, GE Capital, Transamerica and GFC executives with
over 100 years of combined experience. Headquartered in Chicago
with sales representation in New Jersey, Connecticut,
Massachusetts, Georgia, Arizona and the Pacific NW.|
www.GibraltarBC.com
3. GBC Products OfferedFactoring Lines of Credit Purchase of
Accounts Receivable at a discount to face value using a standard
borrowing base with up to 90% advance rates. Prospect revenues are
between $1MM and $100MM with credit needs of $100M to $5MM with
domestic A/R to sell. Approval process takes 24 hours with funding
occurring 5-10 days after approval. Clients typically factor with
us for 1-2 years before becoming bankable.Asset Based Revolving
Lines of Credit Revolver based on A/R and Inventory with advance
rates up to 90% of A/R and 50% of raw and finished inventory.
Prospect revenues are between $2MM and $100MM with credit needs of
$250M to $5MM. Closing typically occur within 3 weeks of the LOI
being signed. Clients typically borrow from us for 1-3 years before
becoming bankable. Date goes here | www.GibraltarBC.com
4. GBC Products OfferedMerchant Cash Advance for retailers
Alternative form of finance for retailers/restaurants based upon
their credit card sales volume. Merchant (borrower) receives cash
today to be repaid from future months credit card sales. Repayment
is made as sales materialize GBC recovers a small percentage of all
future sales until paid in full. Typical repayment schedules are
between 6-12 months allowing the Merchant to continue to collect
the majority of their revenue. Prospect revenues are between $1MM
and $50MM with capital needs as little as $5,000 and can go up to
$500,000. Approval process takes 24 hours with funding occurring
5-10 days after approval.www.GibraltarBC.com
5. GBCs Client ProfileGBC makes loans to the underserved lower
middle market businesses. We offer factoring facilities and asset
based revolvers between $100,000 and $5,000,000. Merchant Cash
Advances start at $5,000 and go as high as $500,000. Our borrowers
typically have annual revenues between $1MM and $100MM. Borrowers
typically have stressed balance sheets and/or do not cash flow but
have assets with substantial values. A/R and Inventory are our
primary asset classes. We have the ability to lend anywhere in the
United States. We have the ability to lend to start-ups,
recapitalizations, turnarounds, growth capital, DIP and exit
financings.www.GibraltarBC.com
6. How we add value to your firmWe say yes when you have to say
no. In the event that you cannot provide a solution to the
borrower, referring the loan to us keeps you in front of the
prospect. GBC has a streamlined approach to make efficient
decisions. Deals typically close within 2 3 weeks. GBC will
recommend your treasury management and other ancillary services.
GBC can refinance troubled or stressed credits in your current
portfolio. The key is to act now before their assets deteriorate
further. We provide the Borrower enough time to strengthen and grow
their business so that we return them to you in a much more stable
financial position.www.GibraltarBC.com
7. Why choose GBC as your partner? Our strong balance sheet and
ample liquidity allows us to lend to businesses that most others
are not interested in. Unlike our competitors we offer factoring,
asset based lending and merchant cash advances to retailers. Our
speed, creativity and flexibility allow us to be extremely
competitive. Clients get to work directly with the decision makers.
Our facility acts as a bridge in order to allow enough time for the
Borrower to improve their financial condition and return to the
bank as a stronger and healthier credit.www.GibraltarBC.com
8. Contact Me Chris Lehnes SVP, Loan Originations
[email protected] (203)304-9527 (o) (203) 664-1535 (c)
www.linkedin.com/in/chrislehnes @chrislehnes on Twitter
www.GibraltarBC.com